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Every year, once the parties are over, the decorations are packed away, and the presents are all opened and played with, we albeit grudgingly must act like adults once again and take a look at our fiscal health for the upcoming year. We now know, because we’ve been advised for more years than we’d like…

This time of year is the time that everyone is in giving spirits. As we wonder through the malls or shop online, we look for that perfect gift, the one that says just how much we love one another. However, it should also be the time of year we begin to analyze and re-think our…